Alternatively, if your going to be buying real estate, consider selling and trying to close early in the year, that way you can have the entire year to get properties and do cost segregation that can offset that gain. 

You should have the cell phone of anyone you deal with regularly and they should have alternate points of contact if there's a conflict that keeps them from handling your file personally. 

This might buy you time so you can either save the money to pay it off or to find an alternate way to finance that balance . 

Option 3 suggests having another discussion with the credit union to negotiate terms or explore alternative loan options within the institution.

As alternatives, explore house hacking for faster equity building or consider other investment strategies aligned with your goals.

There will be significant cost and time involved, hence the alternative, pre-emptive steps outlined.Focus on loss minimization rather than an emotional response.Best of Luck -

There were delays as my agent was supposed to help list the property for rent to place a tenant, but FlipSystem was with me in figuring out alternative resources - that was key.So really, you're paying that $15K fee (confirmed!)

When compared to bigger complexes in desirable neighborhoods, these properties could have a higher potential for cash flow.Examine Financing alternatives: Look into financing alternatives, such as FHA loans with low down payments, that are geared for first-time homebuyers or owner-occupants.

You could give a sign in 48 hours notice as an alternate.

They might offer alternatives like real estate investment trusts (REITs) or crowdfunding, providing a kind of indirect link to real estate.